Best Texas Investment Property Loans (Hard Money - DSCR) - Easy Street Capital!

[Robin Simon]

Easy Street Capital is proud to be a leading private lender for The Lone Star State! We offer industry leading Hard Money and DSCR Loans for every type of Texas Real Estate Investor. Easy Street Capital is the investment property loan provider for real estate investors of all experience levels and specialties, including popular strategies such as Short Term Rentals, Fixing and Flipping and the BRRRR Method! Our Texas DSCR Loans are perfect rental loans for the long-term real estate investor looking for cash flow. Our Texas Hard Money Loans are ideal for renovators looking to add value through rehabs or ground-up construction!

Check out the rest of this Texas Investment Property Loans page for all the information you need on our loan programs. Check out recently funded rental loans, information on all of our loan programs, FAQs, market analysis and more!

Real estate investors from across the country are increasingly drawn to investment properties in Texas to develop their rental portfolios. The Lone Star State is a current favorite among real estate investors for several compelling reasons, including a robust economy, attractive pricing, and stable rental market conditions. Easy Street Capital is thrilled to be at the forefront as a premier provider of investment property loans for real estate investors seeking to establish rental portfolios in Texas!

Types of Investment Property Loans in Texas

When it comes to real estate investing in Texas, there are a variety of markets and types of investment property loans to choose from. Texas has plenty of older properties in need of renovators to restore them to rent-ready status. For investors adept at rehabbing older properties, hard money renovation loans are a perfect choice! These investment property loans allow you to buy a property quickly and finance your rehab costs as well! Once you are done, you can either “flip” the property for a quick return or pursue the BRRRR Strategy by renting it out and then refinancing into a long-term, low-rate DSCR loan!

Long-term DSCR Loans are also great for investing in turnkey rental properties. Turnkey refers to properties that are already rent-ready and require no renovations. Move-in ready single family homes and multi-unit properties (such as duplexes or triplexes) are great for cash flow and price appreciation. Most DSCR Loans are fixed rate for thirty years, locking you into a fixed interest rate for the long-term. While, if historical patterns continue, rents and appreciation increase steadily each year. Bottom line, debt costs stay the same while cash flow increases!

Texas: Landlord-Friendly State

In terms of regulation, Texas is considered a landlord-friendly state. Owners of rental properties, such as typical DSCR Loan borrowers, are secure investing in the state. Unlike some other states, Texas does not have any form of rent control. This means rental property owners are free to set rents at whatever level the market will bear, giving them the flexibility to maximize rents and cash flow.

In addition, if a tenant fails to pay rent or violates the terms of their lease, Texas rental property owners can begin the eviction process relatively quickly. For example, landlords can serve a tenant with a “3-day notice to quit” if they fail to pay rent. After just three days, the landlord can file a complaint for eviction in court. This provides landlords with a legal recourse to promptly address tenant issues, ensuring they can maintain the profitability of their investment.

Overall, Texas is a landlord-friendly state that offers many advantages for investors interested in rental properties. With its favorable rental market conditions, landlords can enjoy the freedom to set rents at market rates and take necessary actions to protect their investment.

Where To Invest In Real Estate In Texas

Texas is a favored market among real estate investors due to its vast options and diverse landscapes. As the second largest state in the country by both area and population, there are markets and opportunities for many different types of real estate investors. The cities highlighted in this article are a mixture of broadly recognized metropolises and smaller, emerging markets.

Houston is the largest city in Texas and the sixth-largest city in all of North America. Austin exudes an electrifying blend of creativity, live music, and outdoor adventure, making it a unique and captivating city for all to enjoy. Dallas is boasts a thriving cosmopolitan atmosphere, blending modern innovation with Southern hospitality to create a dynamic urban experience. A quick drive west brings you to Fort Worth, a city with a charming Texan identity that makes up the other half of the DFW megaplex. San Antonio enchants visitors with its rich history and a cultural tapestry that beautifully weaves together the past and the present.

There are plenty of opportunities outside the state's major cities. Galveston is an excellent STR market, offering a coastal haven that captures the heart and soothes the soul. El Paso, nestled against the rugged beauty of the Franklin Mountains, is a vibrant border city where Mexican and American cultures harmoniously blend. Corpus Christi a city known for its maritime charm, is home to a lively harbor that tempts anglers and sailors alike. South Padre Island is a captivating vacation destination with and a lively beachfront scene that ensures an unforgettable and rejuvenating getaway by the Gulf's sparkling waters. Lubbock, known as the "Hub City" is a close-knit community in the heart of West Texas known for its music scene and thought-provoking museums.

Are you a Property Manager or Full-Scale Mortgage Broker (including Conventional, Non-QM) in Texas? We are looking for trusted professionals in Texas to refer our investor borrowers too! Comment or DM me to discuss, and we can potentially feature you on our website!

[Robin Simon]

Recent Easy Street Texas DSCR Loan and Fix and Flip Loan Fundings!

💵Just Funded💵
$300,000 Acquisition DSCR Loan on a Single Family Rental in Austin, Texas! Prolific investors with a successful rental property in the Texas Capital execute a cash-out refinance to scoop up the property next door with easy dscr financing - 7.75% rate, 25% down!

💵Just Funded💵
$508,200 Cash-Out Refinance DSCR Loan on a Single Family Rental property in Austin, Texas! These prolific investors, with a stateside and international portfolio, take some cash out of this leased up rental property to purchase another rental next door!

💵Just Funded💵
$236,000 Hard Money Fix And Flip Loan for a flip in Plano, Texas! This repeat Easy Street borrower scoops up this 1986 3/2 for a quick flip - six month interest-only loan, quick close with no appraisal necessary!

💵Just Funded💵
$214,500 Cash-Out Refinance DSCR Loan on an investment property triplex in Houston, TX! A nice "BRRRR Method" project - this three-unit rental property bought in 2023 - now fully leased - cash-out refi with cash flow (💰) - 30 yr fixed, 1st 10 yrs interest-only!

💵Just Funded💵
$740,000 Acquisition DSCR Loan on a Short Term Rental Investment Property in Canyon Lake, Texas via @Zach Edelman ✅80% LTV (only 20% down payment) ✅qualified on AirDNA Projected Rental Income ✅borrow through LLC (50/50 partners) ✅low 7.875% Rate!

💵Just Funded💵
$168,000 Cash-Out Refinance DSCR Loan on a Single Family Rental in Sherman, Texas! A well-executed "BRRRR" project - 50/50 LLC partners bought in July '23 - full rehab, now 100% rented and refinanced with a big cash-out, 30-year fixed locked in at just 7.00%!

[Morgan Tondre]

Awesome Robin!!! 

[Robin Simon]

Quote from @Morgan Tondre:

Awesome Robin!!! 

 Thank you Morgan!

[Robin Simon]

 Easy Street Texas DSCR Loan and Fix and Flip Loan Fundings!

💵Just Funded💵🧊BRRRR🧊
$160,000 Refinance DSCR Loan on a Single Family Rental in Dallas, Texas! A great BRRRR Method (Buy➡️Rehab➡️Rent➡️Refinance➡️Repeat) execution in the Big D - $80k in value created in one year, now cash flowing and 30-yr fixed rate https://www.biggerpockets.com/business/finder/lendersfinancing locked in!

💵Just Funded💵
$312,000 Acquisition DSCR Loan on a Short Term Rental (STR) in Arlington, Texas! Professional real estate investing couple scoop up Arlington STR number 4 - a recently renovated four-bedroom residence near the thriving AT&T Stadium sportsplex district!

💵Just Funded💵🛠️Fix And Flip Loans🛠️
$159,600 Fix and Flip Loan for a flip project in Odessa, Texas! Savvy investor scoops up this 2008-vintage 3/2 at a foreclosure option - should need some minor cosmetic repairs and should be able to execute a quick and tidy flip!

💵Just Funded💵🧊BRRRR🧊
$136,500 Cash-Out Refinance DSCR Loan on a Single Family Rental in La Marque, Texas! Another successful Lone Star State BRRRR execution - this property bought in March 2023, renovated, rented and refinanced in just under 13 months - big CASH OUT!

💵Just Funded💵🛠️Fix And Flip Loans🛠️
$140,661 Hard Money Fix and Flip Loan for the purchase and cosmetic rehab of a 1976-vintage 3/2 SFR in Houston, Texas! This investor embarks on his second flip after a 2023 success story in nearby Katy, Texas - here locks in 85 LTC / 12 mo.!

[Robin Simon]

More Easy Street Capital DSCR Loans in Texas!

💵Just Funded💵
$199,250 Cash-Out Refinance DSCR Loan in Austin, TX! Deal number 8 for this big-time developer with Easy Street in the last couple of months - completion of this redevelopment of 8 units, now all cash-flowing and locked into 30-yr fixed debt in the 7s!

💵Just Funded💵
🏕️airbnb Loans🏕️
🏖️AirBnBRRRR🧊

$250,000 Cash-Out Refinance on a Duplex Short Term Rental (2 stunning STR units) in Austin, Texas - Low Leverage, Low Rate (7.250%) via @Zach Edelman! Well located in the up and comping "NoLa" (North Lamar) area - this should be a big cash flower!

💵Just Funded💵
🏕️airbnb Loans🏕️
$310,000 Cash-Out Refi DSCR Loan on a Short Term Rental in Austin, TX! Local investor pivoted from occupying the property to turning it into a pure-play rental - as long as fully documented, Easy to Refi & qualify w/o 12 months history with Easy Street and @Jack Tulloch!

💵Just Funded💵
🏖️Short Term Rental Loans🏖️
$294,000 Cash-Out Refinance DSCR Loan on a Short Term Rental (AirBNB) in Austin, Texas! Experienced real estate investor takes some cash out of this successful STR to free up capital to continue building her real estate portfolio (18 Units and Counting!)

💵Just Funded💵
🏖️Short Term Rental Loans🏖️
🏖️AirBnBRRRR🧊
$677,500 Rate-Term Refinance Rental Loan on an investment property in Austin, Texas! This STR investing pro with a successful track record in the Texas Capital, refinances this 3-bedroom property through a "AirBnBRRRR" execution!

[Robin Simon]

More Easy Street Capital Texas Rental Property Loans (Fort Worth DSCR Loans!):

💵Just Funded💵
🧊BRRRR Loans🧊
$203,000 Refinance DSCR Loan on a Single Family Rental (SFR) in Fort Worth, TX! Real Estate investing couple smartly shifts between fixing & flipping and BRRRR method as the market/asset dictates, executing a BRRRR refi on this one, adding to the portfolio!

💵Just Funded💵
🛠️Fix And Flip Loans🛠️
$153,200 Hard Money Loan on a Fix And Flip project in Fort Worth, Texas! This should be a quick and efficient flip for this experienced borrower with 2 successful recent deals under his belt - ~25k rehab budget for this fifties vintage SFR in the resilient FW market!

💵Just Funded💵
$170,280 Refinance DSCR Loan on a condo unit rental in Fort Worth, Texas! This experienced borrower executes a refinance on one of his five cash-flowing rentals - this one fully leased up at near-market and touched up with recent renovations

💵Just Funded💵
🧊BRRRR Loans🧊
$166,000 Cash-Out Refinance DSCR Loan on a SFR Rental in Fort Worth, Texas! A great BRRRR execution, this property was purchased in January, and this investor completed a full renovation, rented for cash flow -& refinanced >100% of capital back - less than 1 Year!

💵Just Funded💵
$448,000 DSCR Loan Cash-Out Refinance on a Quadruplex in Fort Worth, Texas! Nimble investor has three of the units fully leased out at long-term market-rent leases and utilizes the fourth unit as a short term rental to juice cash flow. Low 7.125% Rate!

[Robin Simon]

More Easy Street Texas Hard Money Loans and Texas DSCR Loans!

💵Just Funded💵
$550,875 Blanket Cash-Out Refinance DSCR Loan on a portfolio of five SFRs in Killeen, Texas. Properties are cash-flowing comfortably and experienced sponsors are able to cash-out some equity to take advantage of coming opportunities in their market.

💵Just Funded💵🧊BRRRR Loans🧊
$112,000 Refinance Rental Property Loan on a Single Family Rental investment property in Killeen, Texas! Easy STreet Capital remains the BEST choice for BRRRR strategy investors - this one a 80%(!) refinance with less than a year seasoning - nearly ALL of cost basis back! via @Tanner Lewis

💵Just Funded💵🧊BRRRR Loans🧊
$302,500 Refinance DSCR Loan on a Single Family Rental in McKinney, Texas! Home Run BRRRR strategy execution - ~$100k in value created (forced appreciation), now ~100% of cost basis back in pocket - "free" cash-flowing rental added to the portfolio!

💵Just Funded💵
$168,750 Cash-Out Refinance DSCR Loan on a Single Family Rental investment property in Anna, Texas! Married Couple continues to build their financial freedom real estate portfolio through real estate investing through an LLC - cash out to build another SFR!

💵Just Funded💵
$635,675 DSCR Loan on a refinance in Rockwall, Texas! @Zach Edelman connected with this investor exactly 1 year ago at IMN East '23 - now gets the deal funded while at the '24 event. 80% LTV Refi (😯) 6.75% DSCR Rate (max lev) - 🤯🤯🤯

[Robin Simon]

More Easy Street Capital Texas DSCR Loans recently funded!

💵Just Funded💵
$308,000 Rate-Term Refinance Rental Property Loan (DSCR Loan) on a Single Family Rental in Conroe, Texas! Conroe, located approximately 40 miles north of Houston, is one of America's fastest growing cities spurred by strong economic growth and demographics!

💵Just Funded💵
$187,250 Refinance DSCR Loan on a Single Family Rental in Conroe, Texas! Believe it or not, the city of Conroe (in the Houston–The Woodlands–Sugar Land, TX MSA) is one of the fastest growing cities in the country, with over 100,000 people!

💵Just Funded💵
🧊BRRRR Loans🧊
$286,750 Refinance DSCR Loan on a SFR BRRRR method execution in Humble, Texas! Bought last December, this beautiful property, located just a few blocks from Lake Houston, is fully renovated, leased & cash-flowing. 30-yr fixed rate financing locked in!

💵Just Funded💵
🧊BRRRR Loans🧊
$166,500 Refinance DSCR Loan on a SFR in Houston, TX! An 11-month BRRRR execution for this super experienced investor with decades of experience and a 8-property portfolio - this property now fully renovated and rented - cash flowing comfortably!

💵Just Funded💵
🧊BRRRR Loans🧊
$586,500 Cash-Out Refi on a cash-flowing quadruplex this time in Houston, Texas! A great four-door BRRRR method execution, this property was bought in early 2022, fully renovated and now fully leased & providing 💰💰💰 via @Zach Edelman Lending

[Katherine Chinelli]

Great job! I love seeing this! 

[Robin Simon]

Quote from @Katherine Chinelli:

Great job! I love seeing this! 

 Thank you!

[Robin Simon]

More Easy Street Capital Texas DSCR Loans successfully funded for real estate investors in the Lone Star State!

💵Just Funded💵
🏖️AirBnBRRRR🧊
$427,500 rate-term refinance on an AirBnBRRRR in Jamaica Beach, Texas. A beautiful beach nestled on Galveston Island, a top vacation destination in South Texas if you aren't interested in the haunted hotels in the heart of the island!

💵Just Funded💵
$257,500 Cash-Out Refinance Rental Loan on a Cash-Flowing Duplex in Galveston, Texas. Highly experienced real estate investing duo takes some cash out of this fully-leased two-unit property to prepare to take advantage of the upcoming buyers market and to buy and renovate more properties

💵Just Funded💵
🏖️Short Term Rental Loans🏖️
Another successful AirBnBRRRR in beautiful Galveston, Texas. Savvy sponsors refurbished and rate-term refinanced another SFR property on the island, turning yet another unloved 1960s vintage build into a fully renovated stunning short term rental!

💵Just Funded💵
🏖️Short Term Rental Loans🏖️
$442,400 airbnb loan (DSCR Loan) Cash-Out Refinance on a STR on Galveston, Island. A top beach destination nearly year-round, Galveston is also a top spot for Halloween spooky season.

💵Just Funded💵
🏖️AirBnBRRRR🧊
🏕️airbnb Loans🏕️
$262,500 Rate-Term Refinance Rental Property DSCR Loan on a recently renovated short term rental property in Round Rock, Texas! Just north of Austin, Round Rock is a booming suburb with a bunch of attractions and demand drivers of its own that attract visitors throughout the year!

[Robin Simon]

More Easy Street Capital Texas DSCR Loans Funded in the Lone Star State!

💵Just Funded💵
$228,000 DSCR Loan Rate-Term Refinance in Belton, Texas. The road to financial freedom has to start somewhere, this borrower has partners with Easy Street to lock in 30-yr financing for his first cash-flowing SFR! One step at a time! via @Zach Edelman

💵Just Funded💵
$1,330,400 DSCR Loan for a Big time Airbnb
property in beautiful Onalaska, Texas. With lake seasoning heating up in Texas, borrower able to focus on cash flows with 30-year fixed rate financing locked in. Nobody better at $1M+ large-scale STR loans than Easy Street Capital! NOTE - this was a April 2022 Funding (Rate is not currently Market

💵Just Funded💵
🧊Texas BRRRR Loans🧊
$194,250 DSCR Refinance Loan on a SFR in Watauga, Texas! Another successful BRRRR method project funded by Easy Street Capital - this property was purchased in Sep '22, now rehabbed, renovated, rented and 30-year long-term financing locked in (first 10yrs IO)!

💵Just Funded💵
🧊Texas BRRRR Loans🧊
$211,250 Cash-Out Refinance DSCR Loan on a Single Family Rental in Watauga, Texas! A successful BRRRR method execution in North Texas, nice value created, cash-out in six months and a cash-flowing rental property retained!

💵Just Funded💵
🧊Texas BRRRR Loans🧊
$213,750 Cash-Out Refi DSCR Loan on a Single Family Rental in Watauga, TX via @Zach Edelman! A "BRRRR" investment success story - this borrower successfully buys / renovates / rents / refinances in just under 11 months - positive cash flow w/ IO pmts (for 10 yrs)

[Robin Simon]

More Texas Easy Street Capital Galveston airbnb loans (Texas DSCR Loans)!

💵Just Funded💵
🏖️AirBnBRRRR🧊
$720,000 Rate-Term Refinance on a near-million dollar short term rental in Galveston, Texas (home of the famous Moody Gardens and the Historic Pleasure Pier). Purchased in May 2022, 5 months later another beautiful AirBnBRRRR in the books!

💵Just Funded💵
Another Day, Another Funding on a Short Term Rental property in Galveston, Texas on the Ghost Coast. A successful AirBnBRRRR refinance ($452,250 Airbnb Loan - DSCR Loan), professional investors continue to help rejuvenate this vacation destination by rehabbing properties and creating 🔥 vacation rentals!

💵Just Funded💵
🏖️AirBnBRRRR🧊
$289,800 Cash-Out Refinance on ANOTHER cash-flowing AirBnBRRRR execution on Galveston, Island! While there may be some signs of turbulence in the STR market, true professionals that have built a BUSINESS running rentals continue to thrive!

💵Just Funded💵
🏖️AirBnBRRRR🧊
🏕️Texas airbnb Loans🏕️
🏖️Galveston Short Term Rental Loans🏖️
$516,750 Refi on another AirBnBRRRR in Galveston! Galveston is home to several historic ships: the tall ship Elissa (the official Tall Ship of Texas) at the Texas Seaport Museum & USS Cavalla and USS Stewart, both berthed at Seawolf Park on nearby Pelican Island!

💵Just Funded💵

🏖️AirBnBRRRR🧊
🏕️Texas airbnb Loans🏕️

🏖️Galveston Short Term Rental Loans🏖️

$224,400 Cash-Out Refinance DSCR Loan on a STR in Galveston, Texas
Anyone going for spooky season? The Galveston Haunted Pub Crawl takes you through Oleander City’s most haunted pubs and restaurants. From the ghosts of hurricane victims still lost in the wreckage to civil war soldiers...-

[Robin Simon]

More recently funded Texas DSCR Loans and Texas Hard Money Loans via Easy Street Capital!

💵Just Funded💵🏖️Short Term Rental Loans🏖️
$440,300 Cash-Out Refinance DSCR Loan on a STR in Lago Vista, Texas! This beautiful newly built Lake Travis STR was owned free and clear - now up and running for lakeside travelers as a thriving rental - Big Cash Out!

💵Just Funded💵
$498,837 Cash-Out Refinance DSCR Loan on a SFR investment property in Dallas, Texas! This beautiful new modern build (2022-vintage) was built by the borrowers - now fully finished and cash-flowing - cash-out refinance executed for capital for next projects!

💵Just Funded💵🧊Texas BRRRR Loans🧊
$106,250 Hard Money Loan for the purchase and renovations costs for a investment property in Tyler, Texas! This full time real estate investor with tons of expertise in the Tyler market scoops up this 1953-vintage SFR for a quick BRRRR!

💵Just Funded💵🧊Texas BRRRR Loans🧊
$484,200 Rate-Term Refinance Rental Property Loan (DSCR Loan) on a SFR in Dallas, Texas! This five bedroom / three bathroom property has been recently fully renovated and is back in "like new" condition - well located in the "Big D"!

💵Just Funded💵🏖️Short Term Rental Loans🏖️
$528,750 DSCR Loan for the refinance of a short term rental in San Leon, TX for a group of professional RE investors! This South Texas STR, bought in 2022 - has been thriving as a vacation rental -qualified with strong TTM cash flows💰!